GREENSBORO, N.C. – It’s a common mantra for money motivation: if you want to be rich, start acting poor. In other words, if you want to make money, save money. Statista research showed ‘saving money’ is Americans’ top New Year’s resolution for 2025. Financial literacy author Ja’Net Adams, who formed her program Debt Sucks University after clearing her own $50,000 in debt, suggests dividing a lofty goal into achievable intervals.